Europe does not let go. After Mica, Crypto companies must face a new regulatory wave piloted by the European Authority for fighting money laundering (AMLA). Anonymous portfolios prohibited, direct access to data, cross -border controls … Brussels clearly displays its desire to go further. Is the sector ready to take this new shock?
In short
- Amla is launching a strict warning to European crypto platforms on new compliance requirements.
- Regulators will now have to scrutinize the effective owners of Crypto companies to detect any link with money laundering.
- Anonymous wallets and confidentiality cryptos will be prohibited in 2027.
- Direct access to Crypto account data will be compulsory for government authorities.
Amla takes over, a new chapter of European regulations
After surviving the strict Mica requirements, European crypto companies realize that the European Union is far from having lifted the foot.
A new regulatory layer This time carried out by AMLA, the European authority for the fight against money laundering, is now operational in Frankfurt.
In an interview At the Financial Times, Bruna Szego, president of Amla, said that it was “essential that the block is properly protected” in the face of the specific risks presented by the crypto sector.
Unlike Mica, which mainly frames markets and digital asset emissions, AMLA acts as a cross -border supervisor, with the mission of imposing direct control over structures and flows.
Concretely, exchange platforms, custodial portfolio providers and automatic cryptos distributors will now have to declare the identity of their effective beneficiaries, shareholders and detention structures. A proactive approach which, according to Szego, aims to identify opaque montages and risk circuits.
But in a still fragmented European market, where the 27 member states often apply the texts unevenly, the uniform implementation of these controls promises to be as delicate as they are crucial. The harmonization of national practices remains a major challenge to guarantee the effectiveness of this new framework.
2027, the year of all dangers for anonymity crypto
The pressure does not stop there. From July 2027, Europe will take a new stage in its war against anonymity crypto. Service providers will have to completely ban anonymous portfolios and confidentiality -oriented cryptos like Monero or ZCASH.
Even more radical, Crypto companies will have to open their databases to the authorities. Access “direct, immediate and not filtered” in accounts will be compulsory for financial intelligence cells and Amla.
This measure fundamentally transforms the very nature of cryptos, initially designed to preserve the anonymity of users.
This European approach contrasts strongly with Donald Trump's Pro-Crypto policy. While the United States seems to be moving towards regulation more favorable to the sector, Europe maintains its hard line.
This divergence could push Crypto companies to favor the American market, creating an exodus to more lenient jurisdictions.
In short, Mica laid the foundations of a crypto market regulated in Europe. But the Amla now intends to supervise each link, with strict rules and an assumed control of control. This regulatory hardening, if it reassures states, risks fueling a reverse movement: a technological exodus towards more welcoming jurisdictions. Because while the EU locks, others, like the United States, unroll the red carpet.
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